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Solutions Loan

A payday lending alternative for when cash gets tight.

You don’t have to pay the high rates and fees that payday lenders often charge. A Solutions Loan with Baton Rouge Telco is designed to help you make it to your next paycheck while building your credit.

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    No Minimum Credit Score Required

    There is no minimum credit score requirement for a Solutions Loan. Your credit report must show no open bankruptcy or foreclosure to qualify.

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    Build a Positive Credit History

    The payments you make on a Solutions Loan are reported to the credit bureau, giving you an opportunity to establish a positive credit history.

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    Bridge the Gap Between Paychecks

    Borrow as little as $200 with flexible terms so you can make it to your next paycheck with less stress.

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    Lower Rates and Fees

    Unlike payday lenders, a Solutions Loan offers only 28.00% APR and a $20 application fee.  There’s never any penalty or fee for early payoff.

Solutions Loan Details

  • Membership must be open at least 12 months to be eligible to apply
  • No minimum credit score
  • Credit report must show no open bankruptcy or foreclosure
  • Loan amounts from $200 to $1,000
  • Loan terms from 3–6 months
  • 28.00% APR
  • Application Fee $20


Members must provide to following:

  • Two recent pay stubs from current employer or proof of fixed income
  • Three (3) references

Payroll deduction is not required, but it is strongly encouraged.

Members may only have one (1) Solutions Loan open at a time.

See Today’s Rates


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Quoted rate of 28.00% APR for 6 months has payments per $200 equal to $36.11/month.

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6 months

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Looking for a different type of loan? We’ve got many to offer.


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You can pay online, by phone (fee may apply), by mail or at your nearest branch location. You can also set up a recurring automatic withdrawal payment option.

Payments made prior to 4 PM CST on business days will be posted to your account the same day after 5 PM CST. All other payments will be posted to your account the following business day.

We are unable to process loan payments using credit cards, but debit cards are accepted for payment by phone (fees may apply).

Collateral is only required for a share-secured personal loan. This loan uses funds on deposit in your savings account, certificate or money market as collateral.

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Ready to talk about your loan?

Call us at 225.924.8900 or visit one of our locations today.

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These rates are Telco’s current rates. All rates are subject to creditworthiness. Your rate may differ. Rates can change without notice.